Why the drawdown phase is different
Sequence-of-returns risk, RMD timing, IRMAA brackets, and Roth conversion windows all bear on the same household differently in the drawdown years. The review aligns the portfolio to the income plan, not the other way around.
What the indicator covers
Income sustainability scores whether the household's income posture matches age, withdrawal horizon, and stated risk tolerance. It is a preliminary read — the advisor verifies the underlying account types, basis, and Social Security claiming strategy before any guidance is discussed.
What we look at alongside the score
Tax location across pre-tax, Roth, and taxable wrappers; concentration that magnifies sequence risk; and overlap that quietly increases correlation when you can least afford it. None of these are decided by the diagnostic alone.
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Receive a confidential, preliminary diagnostic across all five indicators. Advisor verification required before any recommendation.
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